Tamms, IL · Cert 17524
FDIC · 6 branches
Q1 2017
Market Position · Cape Girardeau, MO-IL · 2016 SOD (annual) · 7.7% share · #6 of 17 inst. · $0.2B of $2.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.80% | 0.70% | 0.60% | 0.68% | 0.85% | -0.19% | 0.57% | -2 bps | |
| Return on Equity | 6.18% | 7.68% | 6.82% | 5.96% | 6.71% | 8.11% | -1.84% | 5.73% | -24 bps | |
| Net Interest Margin | 3.45% | 3.65% | 3.52% | 3.52% | 3.49% | 3.63% | 3.52% | 3.31% | -20 bps | |
| Efficiency Ratio | 75.03% | 69.13% | 67.19% | 74.93% | 73.82% | 71.65% | 72.30% | 76.92% | +199 bps | |
| Non-Interest Burden | 2.33% | 2.20% | 2.03% | 2.43% | 2.33% | 2.27% | 2.25% | 2.32% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.95% | -4.58% | -1.78% | 4.72% | 3.90% | 0.98% | 1.54% | 0.62% | -410 bps | |
| Loan Growth (YoY) | 2.32% | 0.68% | 2.91% | 7.83% | 3.25% | 3.54% | 1.68% | 0.62% | -722 bps | |
| Deposit Growth (YoY) | -1.80% | -5.63% | -2.43% | 5.09% | -0.36% | -3.19% | 1.56% | 0.57% | -452 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.81% | +181 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.18% | 0.64% | 0.01% | -0.01% | -0.09% | 0.01% | 0.28% | +27 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.16% | 1.21% | 1.28% | 1.27% | 1.78% | 1.76% | +55 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 10.24% | 10.00% | 10.06% | 10.11% | 10.62% | 10.19% | 10.12% | +7 bps | |
| Total Risk-Based Capital | 11.81% | 11.70% | 11.45% | 11.56% | 11.88% | 11.74% | 11.67% | 11.66% | +10 bps | |
| Equity / Assets | 10.48% | 10.26% | 10.15% | 9.91% | 10.45% | 10.54% | 10.09% | 9.93% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.60% | 89.77% | 90.07% | 87.12% | 93.88% | 96.01% | 90.17% | 87.16% | +4 bps | |
| Liquid Assets / Assets | 2.99% | 3.08% | 3.08% | 4.27% | 2.21% | 1.56% | 3.54% | 6.73% | +246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |